Life Insurance versus Mortgage Insurance

Life Insurance versus Mortgage Insurance, is what some of my clients ask me when they are purchasing a house. A financial advisor I know in Ottawa shared with me a practical chart to explain the difference between life insurance and mortgage insurance:

Let me go through some more details of Life Insurance versus Mortgage Insurance :

Life Insurance

Mainly life insurance is used for insuring yourself, you decide who you name as the beneficiary (your spouse, family member, etc) and they decide on how to use the money, the amount of money paid out to the beneficiary never changes.

Life insurance is also renewable, and convertible term insurance. In Life insurance you have protection for the duration of the policy. The duration usually is around 10 to 30 years or sometimes to an age like 70 or 80. It all depends on the term you purchase and the underwriting is done at the time of the application.

In life Insurance you determine the amount of the coverage; your coverage remains same during the policy. When you plan to sell or change lender for you mortgage, your life insurance remains the same and does not get affected, it stays with you.

Life insurance is usually less expensive than mortgage insurance. Although a note of caution that if you intend to get for another term, you could potentially be paying a higher premium depending on the age and your health. Typical the enrollment process for term life insurance is more complex than applying for mortgage insurance, since life insurance policies require a medical exam in order to secure coverage.

Mortgage Insurance

Mortgage Insurance insures your mortgage, and the lender is the beneficiary (not someone whom you have named). It is non-renewable, and it is non-convertible term insurance. Typically the underwriting is done at the time of the death. Mortgage insurance covers the exact amount of mortgage balance; as you pay down your mortgage, your coverage decreases but your premiums remain same…

In Mortgage Insurance the lender owns the policy and if you change your lender you cannot transfer your insurance to the new property. The lender automatically pays remaining mortgage balance in the case of death.

Some advantages of mortgage insurance are that they are very convenient, they often do not require any medical exam. You typically will purchase the insurance through your bank or the financial institute that lend the money for your mortgage. Mortgage insurance is usually added to the lender’s monthly mortgage payments.

The downside of mortgage insurance is they are usually more expensive than life insurance although more easy to attain from a bank. CBC Marketplace also did a series of mortgage insurance.

I hope this blog post helps explain the difference between Life insurance versus Mortgage insurance and last but not least I hope your winter is going well with a lot of fresh air experiences and you are getting ready for a wonderful spring coming up with high energy.,..Whether your plans to relocate, to downsize, to aim for a change or investment, give me a shout and lets get the ball rolling for your next chapter…

Hello Katimavik Hazeldean neighbors, friends, parents of Castlefrank and and Katimavik Schools, here are some updates on Katimavik Hazeldean Community News.

I would like to inform you on upcoming projects and festivities in our community so that you can enjoy them, make use out of them, be part of the great community we all live in, and prepare ourselves for some upcoming projects.
As you might have already received a newsletter in your mailbox, the City of Ottawa is constructing a new pump station and forcemain along Maple Grove Road, Terry Fox Drive, Katimavik Road and Eagleson Road. The newsletter states that the forcemain route on Katimavik Road includes rock that requires excavation. As a result, some construction work will be performed including blasting. The work will be conducted with an approved blasting plan that meets City of Ottawa requirements. Blasting is projected to begin the week of May 10, 2016 for approximately 18 weeks through to the end of September 2016. Blasting will not take place on Sundays and statutory holidays and the times of the operation is between 7 am- 10 pm. For more information: City Project Manager, Steven Stoddard, steven.stoddard@ottawa.ca tel: 613 866-7023.

On a pleasant note, the community has some great events coming up. On Wednesday, June 8 2016 at Katimavik School,

Building Green Homes in Canada

Did you know around 20 percent of the energy consumed in Canada is used in our homes? Purchasing an energy-efficient house or turning one by energy-saving renovations into a green home can offer big savings for home owners.

CMHC has a slogan “Help the Planet, Help Your Wallet” which has added environmentally friendly features to the Mortgage Loan Insurance it offers. If you use CMHC insured financing to buy an energy-efficient home, purchase a house and make energy-saving renovations or renovate your existing home to make it more energy-efficient, there is a 10% refund on the Mortgage Loan Insurance premium, and a premium refund for a longer amortization period (if applicable) may be available to you.

This also applies to if you’re thinking of building an energy-efficient home.

How it works

Step 1: Documentation

Find out how energy-efficient your house or unit is and obtain the supporting documentation

For houses and units located in low rise residential buildings the house or unit must:

have been built under a CMHC-eligible energy-efficient building program; or

have been assessed by a Natural Resources Canada (NRCan) qualified energy adviser

and have an EnerGuide rating that complies with the applicable requirement stated below:

For purchases with a closing date:

Energy Guide Rating Required

On or after January 1st, 2013

82

From April 1st, 2010 to December 31st, 2012

80

From July 27st, 2005 to March 31st, 2010

77

You must obtain and provide CMHC with one of the following supporting documents:

The CMHC-eligible energy-efficient building program certification; or the first page of the EnerGuide performance report showing the EnerGuide rating of the house.

To be eligible, the supporting documentation must be dated no more than five years prior to the date of the application for a partial premium refund. Where the applicable supporting documentation is older than 5 years, the borrower is required to obtain a current energy efficiency evaluation.

This credit also applies to high rise residential buildings. If you are planning on building a new home and your builder is not a member of a CMHC-eligible energy-efficient building program, you should have an energy adviser evaluate the building plans before the house is built. This can help you ensure that you will meet CMHC’s requirements once the construction of the home is complete and it is evaluated.

Step 2: If required, boost your energy efficiency

If the house you plan to buy does not meet the applicable energy-efficiency requirement, to be eligible for a refund, you will need to obtain an EnerGuide rating through an NRCan qualified energy adviser and renovate using part of the CMHC insured funds based on your energy adviser’s list of recommendations in order to increase your score by at least 5 points and to a minimum overall rating of 40.

Step 3: Discuss and arrange a CMHC-insured mortgage

Talk to your lender and ask for a CMHC insured mortgage. (The rules have just changed to prevent fraud and misuse of funds).

Step 4: Confirm the improvement

After you make the renovations recommended by your energy advisor, you will need to have a second assessment done to determine the energy-saving effectiveness of the renovations.

Step 5: Apply for Refund

Apply for your Premium Refund

The following are steps for if you own a home and are thinking of renovating to make your home more energy-efficient:

Step 1: Obtain an energy rating for your home.

To qualify for this refund, you must carry out the steps described below within a reasonable time after funding of the CMHC insured loan. Normally, the time period between the date of funding (purchase with improvements or refinance) and the date of the post-retrofit assessment should not exceed 24 months.

Contact an NRCan qualified energy adviser to obtain the current energy rating for your home. You will receive a list of straightforward recommendations to increase your energy rating.

Step 2: Discuss CMHC insured refinancing.

Talk to your lender or your financial institution about which options are available to you. (The rules have just changed to prevent fraud and misuse of funds)

Step 3: Improve your rating

Step 4: Confirm

Confirm the improvement by your energy adviser coming in and they will assess your home again after the energy-saving renovations are finished. If this test shows that the house’s energy rating has improved by at least 5 points and has achieved an overall rating of at least 40, a premium refund may be available.

Step 5: Apply

Apply for your Premium Refund online or through paper.

NRCan has developed an energy assessment and labeling system to help homeowners make energy-saving choices when buying a home or renovating. For a fee, an NRCan qualified energy adviser will evaluate the house to determine its energy efficiency rating on a scale of 0 – 100.

For more detailed information and specifics of these sorts of programs, please visit the NRCan web Site.
and if you are looking for a green home please feel free to get in touch with me.

It is the second week of the new year and we are well immersed back into school, work and it’s time to evaluate Ottawa 2016 Real Estate Market!

In order for us to make any kind of prediction for the future, we need to look at what has happened at least in 2015 and its relation to the previous year (2014). Members of the Ottawa Real Estate Board sold 703 residential properties in December through the Board’s Multiple Listing Service® System, compared with 638 in December 2014, an increase of 10.2 per cent. The five-year average for December sales is 653. The total number of residential and condo units sold through the Board’s MLS® System throughout all of 2015 was 14,658, compared with 13,919 in 2014, an increase of 5.3 per cent. Separately, residential and condo unit sales each outperformed the 2014 numbers. (OREB)

As for the general Canada picture in real estate of 2016, national sales are forecast to reach 498,600, down 1.1 per cent from 2015 as activity in B.C. and Ontario moderates and housing market conditions soften in Alberta. Moreover, interest rates are now expected to begin rising later than previously predicted. They are expected to remain on hold until late 2016, therefore low interest rates will continue to support sales and prices in near future (CREA).

From a mortgage side of the picture, home buyers will have to put a 10% down payment on the portion of the price of a home over $500,000. Anything under $500,000 will still only require a 5% down payment. The changes are to take effect Feb. 15, 2016 (CBC).

For the rental market in Ottawa, in 2016, the vacancy rate will move down once more to 2.4 per cent. As for the resale market over the 2015-2016 period, sales of existing homes are expected to remain fairly flat with a downward trend. Employment should rise slightly into 2016 as overall economic activity stabilizes and the LRT project expands further. (CMHC)

In brief, this year is still good here in the capital to make plans with your real estate aspirations, just contact me through your most preferred way communication, and I will be happy to serve you or any of your referrals.

Getting financing approved for home buyers has become more and more challenging under all the new government imposed rules. For self employed home buyers, it becomes even more interesting.

That said, there are ways to get mortgage approved for these hard working individuals. The key to approvals for self employed buyer lies in asking the right questions and getting the proper documentation to support the claims regarding their type of work and the income being generated by the business.

Most self employed businesses have different ways of reporting their income, reducing all their taxes as much as possible. For these individuals their notice of assessment income is low due to write offs against their income. In order to qualify for mortgages, they need to demonstrate that their gross business income is reasonable enough to support the income level stated for them in order to have the deal approved.

One way for self employed individuals who are in sole proprietors and unincorporated business is by incorporating their business, since most banks do prefer salary. Once incorporated, the self employed individuals can pay themselves a salary, the other advantage of incorporating is it could also reduce tax rates and allow the business owner to collect a higher salary or dividend payout.

Most mortgage brokers have more ways to secure a loan for self employed individuals, they use alternate lenders that allow for more flexibility in getting the approvals in place without charging too high of a rate.

I certainly know couple of great mortgage brokers who can assist in helping self employed individuals obtain a mortgage here in Ottawa, please feel free to contact me for a referral and for your further investment or living arrangements.

Ontario is considering giving all its municipalities power to levy a land transfer tax, that includes Ottawa. So what does it mean for you as a home buyer in Ottawa? Basically, municipal land transfer tax is yet another tax but the revenue of this tax goes to City of Ottawa, and the consequence of this tax will raise closing costs for property buyers, who are already paying a provincial land transfer tax.

There will be rebates for first time home buyers but the tax rate varies. The current land transfer tax for a residence worth $400,000 is around 2% when sold. The potential municipal land transfer tax would be an another additional 2%.

Since 2008 in Ontario, Toronto is the only municipality that allows to charge a municipal land transfer tax, and the revenue is used for local city budget. There is a sample calculation provided by Toronto.ca that highlights the amount of Municipal Land Transfer Tax (MLTT). For example, a house purchase price of $500,000 (excluding HST) the resulting amount for Municipal Land Transfer Tax would amount to $5,725.00.

September is almost here. You might want to start your house hunting soon again. Insurance is an important factor and step of house purchasing plans. Homeowner insurance premiums are not always cheap, but if you are buying a new or old home you will need to protect yourself and your investment from big surprises. In this post, I will list out top 10 home features that will raise your insurance premiums.

Swimming pools and hot tubs can raise your rates, due to their potential for people drowning in them, although adding some type of fence to enter the pool does lower the liability

Wood shake, cedar shingles are “no no” for insurance companies, some insurance companies even would refuse to renew existing homeowner insurance policies for roofs older than 20 years without passing an inspection; wood shake roofs have a higher vulnerability to weather hazards and fire.

Expensive items: This one is simple, if you own expensive items; painting, jewellery, art, musical instruments, wine collections, the insurance would go up.

Aluminum wiring was used in houses up to 1970, they have potential to overheat and cause fires, all insurance companies will require you to have an inspection and a highly strong recommendation of replacement.

Knob and tube are very old wiring they are not well-suited to today’s high energy consumption products, and a significant number of insurance companies consider knob and tube wiring a higher risk or unsafe.

Wood stoves are a source of fire and smoke damage. Even with modern wood-burning stoves, they are prone to crackle, sparking and spitting causing fire hazards.

Oil based heating system, tend to have a higher risk of leaks with oil tanks and potential for damage to your property as well as the potential for environmental hazards. Most insurance companies prefer forced-air gas furnace or electric heat

If you have a home office and it is part of your business, your insurance will go up since you may have potential customers or suppliers visiting your home and there are certain liabilities that pertain to businesses

Finished basement can drive up costs because of potential damage if a pipe bursts or sewage backs up, or there’s flooding; these all would drive the cost up for replacement thus driving up the cost of your insurance

Galvanized or lead pipes are older types more likely to build up corrosion increases, the risk of cracking, leaking or other damage. Copper or pex plastic pipes are recommended more by insurance companies When you are shopping for a home, allow me to help you in finding the right one so that you don’t get affected by unknowns including the cost of insurance. Cheers! Author: Nilay Ertemur

Welcome to Canada

Canada is a country, consisting of ten provinces and three territories, in the Northern part of the continent of North America. It extends from the Atlantic to the Pacific and Northward into the Arctic Ocean, covering 9.98 million square kilometres (3.85 million square miles) in total, making it the world’s second-largest country by total area and the fourth-largest country by land area.

As a new comer to Canada, you may want to look into purchasing your first property, in this blog post, I will try to cover some of the things to consider when purchasing a property in Canada. I would like to call it “Home Buying Guide for New Comers to Canada”

Mortgage / Finances

Most major banks do offer mortgages to newcomers but do have certain requirements for the loans.Royal Bank has a document online that details their requirements. Some of the requirements for having a down payment of less than 25% consist of:

You must have immigrated to Canada within the past 24 months

You must have landed immigrant status

You must have a minimum of three months’ full-time employment in Canada.

All debts held outside of Canada must be included in determining how much you can afford, or your total debt servicing ratio

You’ll require a letter of reference from a recognized financial institution.

Bank and loans rules and regulations change all the time thus I would strongly suggest to speak to a mortgage specialist in a bank or mortgage brokers who will be able to assist you in obtaining a mortgage.

Types of homes in Canada: Not an exhaustive list but most commonly sought after…

Single / Detached

Freestanding home, you own the land and the house

Semi Detached

Home has separate entrance and each owner owns their own property and responsible for their own side. Homes usually share a common wall or sometimes garage walls

Townhouse

Home is attached side by side to a series/row of homes, each unit has its own entrance but shares a common wall

Condos

Multi-unit tenant building (apartment like), you do not own the land but own just the unit itself, monthly payments to condo corporation to handle repairs and maintenance are usually attractive to first time home buyers

Things to consider when buying a house

Location – The key phrase in real estate is always “location, location, location”, one cannot deny the fact that location plays an important part of your decision of purchasing a house in city, suburbs or countryside.

Cost – The amount you are approved to purchase the property, things to consider: taxes, lawyers and closing costs.

Size – Number of bedrooms, washrooms, and garage specs for your needs

Work – How would you commute to work, public transportation vs vehicle

School– What are the school ratings around you, is the school walking distance?

Feature – Things that are important to you, a big backyard, fireplace, swimming pool, layout, etc

Family & Friends – Would you be close to family and friends

Amenities – Are you walking distance to shopping, clubs or gyms

Finding the Right Real Estate Agent

Look online for an agent, from the agent’s website it will tell you how tech savvy they are and have confidence about them

Ask colleagues, family or friends for recommendations of an agent they have used in the past or that they trust

Request for a meeting and tell the realtor your wants and needs for your new home purchase. Using a realtor does not cost you, a buyer does not pay the realtor for their service typically.

Also note you can use a realtor for new built homes. There are a lot of details of purchasing a new house and a realtor will help you with this process as well

Things to consider

A good real estate agent will be able to give you a hand from criteria setting to the closing, but as always having the accurate information in hand is better, so here is a list of things to consider when making the purchase.

Double check the paperwork for names, addresses in the forms

Items included and can be negotiated in the purchase, windows coverings, fridge, stove, dishwasher, laundry washer, dryer, built in vacuum

The closing date, possession date and when the offer becomes null and void

The purchase price and the deposit

Lawyer or notary fees, land title and taxes, I have a blog post that covers these items

Home inspection and mortgage approval

Summary

I hope this home buying guide will help you, I will try to make it up-to-date and if you have any questions or comments, please feel free to contact me

Realtors (real estate agent) these days not only need to know you at a personal level, become experts in their local market area and get involved in the community but also they need to be good at using social media networks where more and more people spend time every day.

There is no question that the power of person to person and voice to voice communication are the most important elements for trust in any given relationship but when the traditional marketing channels are being replaced with the new ones, is your realtor following and adapting to these changes well? The things that they do to market their business is a good indicator of how they would market your house.

Here is a list of what your realtor should be doing in order to market your property or the industry efficiently. Not all of them are necessary but doing at least couple of them well is important in today’s real estate market.

1-Having a well thought and organized website or blog

This is where you can see lots of details regarding your realtor; their testimonials, causes they believe in, communities they serve, and of course their featured listings…

2-Have a business Facebook page

Running a separate professional FB page where they do their announcements, engagements and marketing in general is a good indicator that they will spend the time on your property making sure that it is being shown and advertised properly.

3-Have a LinkedIn account:

This is where you can see what your realtor has done professionally and is interested in. What connections they have and how they engage with their audience is again important in evaluating their performance in marketing or negotiation process, which is crucial in real estate.

4-Being on Twitter

Whether they are following industry related news, or posting their recent listings, open houses, etc indicates that they are active and motivated and they will be when it comes to your house marketing efforts.

5-Google+

After all Google is where people mostly go to search anything. Hence being on the social media outlet of Google gives your realtor more visibility and search engine optimization capabilities, which benefits your property in return.

6-Pinterest

What are their likes, chosen pics tell you the taste they have when it comes to staging your house, interior design, and related areas.

7-Instagram

How they are engaging with the followers, what they share, and emphasize, tell you about their taste of life and motivation they have, and after all you are trying to find that agent who can get the job done yet someone at your or industry communication level so that the process of buying or selling becomes enjoyable and easy.

8-Youtube

Search and see if they created a Youtube channel where they share their listing videos, their own marketing material, etc. Being shy on the Internet when it comes to real estate is just not a very good sign these days esp for further exposure and visibility. There are some other social media outlets such as Tumblr, Flickr, etc therefore like anything else, do your homework and choose your realtor with confidence…

Kanata Stittsville; The West End

The West End of Ottawa is a prime location for real estate in terms of living, investment or simply to keep an eye on! I went to a session on Kanata, Stittsville Development & Transportation news recently and the presenters Councillor Wilkinson representing Kanata North, Councillor Hubley representing Kanata South and Councillor Qadri representing Stittsville shared very exciting news about the development of the three wards. There are a lot of projects planned and underway but I will try to highlight the headlines. Accordingly:

Kanata South:

There is major construction for storm sewers; some water mains will be replaced in Glen Cairn. Some sidewalks will be added there. These projects are planned to be completed by the spring of 2016. One of the pumps will be replaced at pump station. Glen Cairn storm water management plan is another project that the community can look forward to. Widening Hopeside, Old Richmond and Hunt Club Roads were highlighted in the session for transportation news. Building seniors’ care facilities (for Alzheimer’s care), adding some outdoor gym equipment throughout some recreational spots and indoor tennis courts are some other great news. Yong’s Pond which has unique trees in it will be bettered, there will be bird houses in it and this is expected to increase property values in Katimavik where the park is neighbouring with.

Kanata North

Beaverpond, Arcadia, Richardson Ridge, Kanata Town Center, Broccolin Apartments are some of the names of the exciting projects in this part of the town. Ciena is adding 1500 new jobs, Sanmina around 500; and Kanata North will be expanding rapidly. Tanger Outlet Mall area will be developed further to accommodate 3 hotels, 6 restaurants, etc. March Retail Plaza, Taggart Plaza are some shopping center projects to be highlighted, and there will be a Cabelas, which is an outdoors store behind Canadian Tire. Transit expansion to Moodie, park and ride innovations are some of the transportation projects to name a few. Nortel Campus implications are huge; around 9000 military personnel will be added by 2017 and that will result in a great housing demand in the area. It is expected to add 3000 more houses, 4 school locations and a heavy demand in transit. A public school at Terry Fox and Second Line, and addition to South March Public, French public are some of the school news in Kanata North. The projects for seniors’ rental accommodation is also in works.

Stittsville

It is the fastest growing section in the West End. It has a population of 28000 now, and the anticipation is that 71000 people will be added to the existing population. Stittsville public high school demand is an important project being worked on. The Fernbank development is expected to be completed within 5-10 years with an estimated population growth of 35000. The Fairwinds Maple Grove development should be finished in the next two years with an estimated population increase of 3000 to 5000. The Tartan development at 33 Johnwoods is estimated at 1500 residents. The Richcraft development beside Lowes will be completed in 8 years with an estimated population for this area of 1500-2000.

Summary

Kanata, Stittsville and West End in general being a hot spot for growth, new house construction, employment, investment and population increase; there will be sure exciting real estate opportunities and I will be happy to assist you in your move either from or to the West End with a well informed and prepared perspective.

CENTURY 21 John DeVries Ltd.

Testimonials Review of

Azzah and Mehmet – Ottawa

Nilay expertly and confidently guided us through the condo buying process. We greatly appreciated her advice, expert guidance and patience. We felt we were in very good hands!

2016-11-03T20:30:25+00:00

Azzah and Mehmet – Ottawa

Nilay expertly and confidently guided us through the condo buying process. We greatly appreciated her advice, expert guidance and patience. We felt we were in very good hands!

http://nilay.ca/blog/testimonials/azzah-mehmet-ottawa/

Nilay Ertemur

Dilek Akman

When we made a big decision about relocating to Canada from Turkey, one of our friends who lives in Ottawa suggested to us to work with Nilay to buy a house...So we contacted her while we still lived in İstanbul. Since the beginning, she was extremely kind, helpful, honest, available all the time. When we arrived at Ottawa, finally we met her and even though she wouldn't be in Ottawa for a while, she made sure that her colleague Stacey would really take care of us well and she did. Nilay was answering our questions even when she was out of the country on vacation and that's really very valuable manner and we really appreciated everything she has done. We are happy with our new home...Thank you so much Nilay...

2016-11-03T20:29:51+00:00

Dilek Akman

When we made a big decision about relocating to Canada from Turkey, one of our friends who lives in Ottawa suggested to us to work with Nilay to buy a house…So we contacted her while we still lived in İstanbul. Since the beginning, she was extremely kind, helpful, honest, available all the time. When we arrived at Ottawa, finally we met her and even though she wouldn’t be in Ottawa … Continue reading →

http://nilay.ca/blog/testimonials/dilek-akman/

Nilay Ertemur

TS & family, Ottawa

Anyone engaging the services of Nilay Ertemur has made a fortuitous decision. Words are not enough to describe this very warm and genuine bright light. You will experience her intelligence, her competence and realize that you are in very good hands. She possesses an impeccable professional attitude and great determination. She is our forever agent. Thank you Nilay.

2016-06-17T19:57:38+00:00

TS & family, Ottawa

Anyone engaging the services of Nilay Ertemur has made a fortuitous decision. Words are not enough to describe this very warm and genuine bright light. You will experience her intelligence, her competence and realize that you are in very good hands. She possesses an impeccable professional attitude and great determination. She is our forever agent. Thank you Nilay.

http://nilay.ca/blog/testimonials/ts-nilay-ertemur-agent-review/

Nilay Ertemur

Chantal Roy Armstrong, Ottawa

2015-01-17T11:20:57+00:00

Chantal Roy Armstrong, Ottawa

http://nilay.ca/blog/testimonials/chantel-roy-armstrong-ottawa/

Nilay Ertemur

Matthew Hall, Ottawa

2015-09-08T20:43:09+00:00

Matthew Hall, Ottawa

http://nilay.ca/blog/testimonials/matthew-hall-ottawa/

Nilay Ertemur

Century 21 – Outstanding Achievement Award

Sara Benzerga, Toronto

“It is with pleasure and gratitude that I share comments on my experience with Nilay Ertemur. Nilay was fantastic to work with. She is a very honest, hard-working, and dedicated agent when it comes to getting the job done for her clients. As a Mortgage Specialist with National Bank I was very pleased to work with Nilay and refer my clients to her.

“It is with pleasure and gratitude that I share comments on my experience with Nilay Ertemur. Nilay was fantastic to work with. She is a very honest, hard-working, and dedicated agent when it comes to getting the job done for her clients. As a Mortgage Specialist with National Bank I was very pleased to work with Nilay and refer my clients to her. Thus, I highly recommend Nilay Ertemur for … Continue reading →

http://nilay.ca/blog/testimonials/sara-benzerga-ottawa/

Nilay Ertemur

PM and DB, Ottawa

My husband and I first met Nilay Ertemur and her family at a social event. We found her to be a friendly, lively and well mannered person. We contacted Nilay when we decided to purchase a second property in Ottawa (Read more)

2015-05-25T21:20:48+00:00

PM and DB, Ottawa

My husband and I first met Nilay Ertemur and her family at a social event. We found her to be a friendly, lively and well mannered person. We contacted Nilay when we decided to purchase a second property in Ottawa (Read more)

http://nilay.ca/blog/testimonials/pm-and-db/

Nilay Ertemur

Kevin Sullivan

Nilay was extremely knowledgeable of the area and dealt with a very rushed move in an extremely professional manner. I had to find a place and close the deal in less than a week and am extremely happy with the services she provided.

2015-01-17T11:22:18+00:00

Kevin Sullivan

Nilay was extremely knowledgeable of the area and dealt with a very rushed move in an extremely professional manner. I had to find a place and close the deal in less than a week and am extremely happy with the services she provided.

http://nilay.ca/blog/testimonials/kevin-sullivan/

Nilay Ertemur

Karen Elder and Walter Pink

We cannot thank you enough for helping us find a place!! From the bottom of our hearts, we are truly grateful for all that you have done for us. Thank you just doesn't seem like enough. We are so excited to start a new chapter in our lives and it wouldn't have been possible without all your help.
Again, thank you so much!

2015-09-10T20:28:46+00:00

Karen Elder and Walter Pink

We cannot thank you enough for helping us find a place!! From the bottom of our hearts, we are truly grateful for all that you have done for us. Thank you just doesn’t seem like enough. We are so excited to start a new chapter in our lives and it wouldn’t have been possible without all your help. Again, thank you so much!

http://nilay.ca/blog/testimonials/karen-and-walter/

Nilay Ertemur

Raj & Suneth Walawege

At the beginning of the year, we were in the process of moving from Vancouver to Ottawa with two 6 month old babies. We were introduced to Nilay through a friend and she immediately got started with the house search. She understood our current and future needs, and recommended areas and homes where we could grow as a family. She has a very patient and pleasant personality and it was a pleasure to work with her. We are extremely happy with our new home in Ottawa. Thank you Nilay

2015-11-05T12:21:31+00:00

Raj & Suneth Walawege

At the beginning of the year, we were in the process of moving from Vancouver to Ottawa with two 6 month old babies. We were introduced to Nilay through a friend and she immediately got started with the house search. She understood our current and future needs, and recommended areas and homes where we could grow as a family. She has a very patient and pleasant personality and it was … Continue reading →

http://nilay.ca/blog/testimonials/raj-suneth/

Nilay Ertemur

VV, Ottawa

Professional. There are so many positive adjectives that could be used to describe Nilay Ertemur but her professionalism is what stands out and is what anyone in need of a realtor would need and appreciate. I highly recommend using her services.

2016-06-17T21:51:28+00:00

VV, Ottawa

Professional. There are so many positive adjectives that could be used to describe Nilay Ertemur but her professionalism is what stands out and is what anyone in need of a realtor would need and appreciate. I highly recommend using her services.

http://nilay.ca/blog/testimonials/vv-nilay-ertemur-service-review/

Nilay Ertemur

Zeynep Ekim

It was a pleasure working with Nilay when we were looking for a place to rent in Ottawa. She is a very professional yet sensitive and caring agent. She was always available to answer all our questions and concerns. She is very knowledgeable, detail oriented and values her clients very much, and does not hesitate to spend extra time. She is very trust worthy and I would not hesitate one second in recommending Nilay to anyone who is looking for a great real estate agent.

2015-01-17T11:21:35+00:00

Zeynep Ekim

It was a pleasure working with Nilay when we were looking for a place to rent in Ottawa. She is a very professional yet sensitive and caring agent. She was always available to answer all our questions and concerns. She is very knowledgeable, detail oriented and values her clients very much, and does not hesitate to spend extra time. She is very trust worthy and I would not hesitate one … Continue reading →

http://nilay.ca/blog/testimonials/zeynep-ekim/

Nilay Ertemur

Gulay Kosem

Thanks to Ms. Nilay Ertemur shortly after arriving to Ottawa, I found a rental apartment as I wished. She works very professionally. She dedicates all her efforts to satisfy her clients. She was always available and helpful.

2015-01-17T11:21:16+00:00

Gulay Kosem

Thanks to Ms. Nilay Ertemur shortly after arriving to Ottawa, I found a rental apartment as I wished. She works very professionally. She dedicates all her efforts to satisfy her clients. She was always available and helpful.